Small Business Loan for Retailers

Small Retailers have a tricky business to run, one the one hand they need to have all possible stocks and sizes of popular brands that their customers might come calling for and on the other hand they have to place those orders with the distributors and manufacturing corporations and to earn margin they need to place orders in bulk as that’s where the multinationals and distributors offer better discounts. However, it takes time to liquidate those stocks and the end consumers take their own time to buy the goods. This creates a working capital gap and retailers need to pump in funds from outside to plug in this gap.

The options the retailers have to raise this money are limited. Borrowing from friends and family is a risky affair as it puts the relationships on the brink of danger and you would never wish to do that, the other option is to borrow money from local lenders. However, they charge astronomical interest rates which eventually makes it a loss making deal. Thus, the best option that the retailers have is to go for a small business loan in the name of retailer financing.

The Traditional lenders offer the small business loans to the retailers. However it comes with several problems. Firstly, they ask for collaterals in the form of pledging their home or shop premises to the lenders and quite often the small retailers do not have a owned property. Secondly, the traditional lenders ask for multiple documentations in the form of income tax returns and so on which is again a challenge for the small retailers to get the retailer financing. Thirdly, even if the small retailers qualify for retailer financing with the traditional lenders they take a lot of time in processing the small business loan applications, it takes weeks and often even months to process the applications, which defeats the entire process of applying for the small business loans.

This is where the digital lenders have proven to be a boon for the small retailers as they have revolutionized the way in which small retailers can get access to retailer financing. Unlike the traditional lenders who ask for collaterals and multiple documents to process a retailer financing application, the digital lenders look at the business transactions on the basis of which they analyze the creditworthiness of the small retailers which results is unsecured small business loans. The digital lenders look at the digital trace of transactions and in the case of small retailers they look at the transactions made against the card swipe machine and the digital wallets to get an understanding of the business patterns and cycle. Thus, the small retailers can get easy retailer financing basis their transactions against the card swipe machine and the payment wallets.

Indifi is a leading digital lender which has a specialized retailer financing product and they analyze the creditworthiness of small retailers on the basis of their digital transactions like payment wallets and card swipe machines. The process for getting this small business loan is really simple for the small retailers. They just have to fill a quick and simple online form with KYC and basic business details, Indifi then fetches the public data and analyzes the transactions against the card swipe machine and payment gateways, this analyzing and underwriting is an absolutely automated process and unlike the traditional lenders which take weeks to analyze at Indifi it is almost real time and the small retailers can get a decision on their retailer financing as early as within 24 hours.

Indifi also offers the flexible loan repayment options to the small retailers which means they can simply connect their repayment to transactions whereby the small amount gets debited against the transactions which eliminates the need of paying EMIs as repays the small business loan automatically, Indifi also offers other options like monthly, weekly and fortnightly installments as per the need of the small retailers. There is no prepayment penalty and managing loan applications is simple on the fast mobile app.

Thus, if you are a small retailer looking for retailer financing, the digital lenders are the best option you have to get your small business loans and Indifi is the leading digital lender that offers special product and small business loans up to INR 50 Lacs for the small retailers.

Earnings date AAPL: Avail quick access

Stock market investors are needed to know about the significance of earnings release date or earnings date. Earnings announcement, in simple terms is regarded to be official profitability statement for specific time period, which is usually for a year or quarter of a particular company. Expected Earnings per share (EPS) is suggested by the report. It is for this reason, that the earning date is the much awaited by investors, who are eager to come up with the most appropriate stock trading strategies and techniques. Apple earnings date is undoubtedly the most awaited in the current stock market.

Being updated with earnings Apple date

With regards to stock earning calendar, AAPL is considered to be the symbol provided to Apple Inc. therefore, to derive earnings date AAPL, there is no need for the investors to undertake extensive research, as several online platforms are present that can offer similar information with the click of the button. These online platforms are being relied upon by countless of investors to gather knowledge about earnings release date by different companies, including Apple. Company’s crucial financial information is provided in the earnings report like net income, revenue, earnings per share, net sales, etc.

Money being on the line

Apple Inc. shareholders and investors are likely to have great interest to know about the company’s overall performance during full years’ quarter year period as money is said to be on the line. Potential investors also can know from the report about the company’s performance. It is crucial information that shareholders and investors are to derive, so as to take correct and the most approximate decisions at the correct time, as well as sell or buy shares. It is without doubt that selling of buying Apple shares becomes much easier at a hefty price by using such reports.

Not missing out on earning dates

The reports also ensure that investors and shareholders do not miss out on the earning dates. Rather, the person by using this report can become the first one to be fully aware about the company’s performance and market situation. Now, it is possible for anyone to register with a well established online earnings platform boasting of having 10,000s of investor members receiving weekly and daily updates on earnings report. The earning dates will be sent through the mail and hence, there arises no chances to miss out on them for any reason. With smartphones, laptops and computers connected to high speed internet providing email solutions, Apple earnings date can now be derived instantly and without any hassle or trouble.

Choose a reliable online platform

Although there are present numerous online platforms which do offer information on earnings dates, not all of them are really dependable. The company that offers dates with predicted move and boasts of having huge number of active members should be relied upon. Several online platforms are said to hire professional market expert team having in-depth knowledge of the domain to provide members with useful and reliable predicted moves.